Dirt Cheap Automobile Insurance -- Tips For Special Age Ranges

1. We all know that hardly any other age range pays as much for car insurance as the under-25 age group. But for drivers who fall in this age bracket, maintaining good grades at school will go a long way to help you get cheaper rates.

To enjoy it, however, you must maintain a minimum of a "B" grade. This will slash off as much as 5 percent from your rate if you make yourself eligible. This is so because insurers think there is a correlation between good grades and a young driver's behavior behind wheels. Students who maintain good grades are usually considered more responsible and less likely to take to reckless driving.

2. For those who are above 55 years old, you will be eligible for a discount after a drivers' refresher course. Going through this type of course will position you for discounts of up to ten percent. Discuss with your insurance agent about your provider's position on this and the best way to go about it.

3. Are you retired? Then you can get a retiree discount with most insurance providers. Retired folks don't have to drive to a place of work on a daily basis. A driver's total mileage is a strong point that affects what they pay in premiums. So anything that reduces your total mileage by a big margin should lower your rate.

Remember that you qualify for this discount if you are retired. Get your insurance carrier's position on this. Even if you don't call it a retiree discount, reporting a remarkable drop in mileage is necessary. Except where the change in your mileage isn't considerable, you should switch to another insurance carrier if you are NOT given a discount.

4. The most vital route to huge savings in auto insurance is comparison shopping -- That's if you do it well. You can get quotes that will have a difference that exceeds $1,000. You could quickly save so much by just going with the lowest quote. This should be the case if you're just after the lowest price.

Nevertheless, if you're after the best price/value then you'd have to look at the details of the lowest offers. Different insurance companies may have slight differences for similar policies. It's important that you ask the agent what's included and what's excluded.

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